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USI Insurance Services LLC in Morgantown, WV

Learn about our insurance products

  • Auto Insurance

    Get an auto insurance policy you can count on from Nationwide.

  • Homeowners Insurance

    Protect your house and personal property by choosing the right insurance coverage from Nationwide.

  • Life Insurance

    Let us help you select life insurance coverage that meets your needs, your life and your budget.

  • Business Insurance

    Cover your business with commercial insurance from Nationwide.

Member support

24/7 Claims Service
1-800-421-35351-800-421-3535

Our Insurance Products

The USI Insurance Services LLC in Morgantown, West Virginia provides the following products. To learn more about each insurance product, click on the links below.

  • Auto Insurance

    Look to the insurance provider who is there when you need them when it comes to vehicle insurance services. USI Insurance Services LLC works with Nationwide to offer members a wide variety of discounts and services. We are also available to answer any questions you may have about auto insurance plans, either over the phone or in person. Just talk Lloyd Randall Cober to find out more.

    We make sure to thoroughly review your insurance needs before finalizing anything. It is our goal that you walk away with protection that you completely understand and can count on. We also make sure you know exactly which of our many discounts are available to you, such as those for good students or for using our ecofriendly paperless billing plan. These discounts may be applied to our many insurance protection options. We offer solutions like liability coverage and roadside assistance. Because we are located locally in Morgantown, we know what the specific weather and traffic conditions are like. We can walk you through the protection options for your vehicles and those specific to Morgantown. Have peace of mind that comes from a personalized insurance plan.

    Lloyd Randall Cober is willing to talk to you whenever you have the time. You can call us at (304) 598-5678 or schedule an in-person appointment at 48 Donley St. Our door is always open and your questions will always be answered.

  • Homeowners Insurance

    When you have a home of your own, you want to protect it and be certain that your family is safe and your lifestyle secure. There are many factors that go into determining insurance needs, including your location, home, possessions, and any additions on your property such as pools or structures. You will find that the experienced professionals at USI Insurance Services LLC are on hand to help with many types of home insurance coverage. We start with a thorough review of your particular situation and recommend options that will be the best fit for you.

    With the appropriate home insurance in place, you will be able to weather the storms that come your way, knowing that you are protected against the elements. You will also be protected against other types of damage or loss, such as that done by theft. We have many different insurance plans from which to choose and several attractive features to share with you.

    Lloyd Randall Cober, your agent in Morgantown, can offer excellent Nationwide insurance coverage. If disaster does strike, all you have to do is call (304) 598-5678 to get the ball rolling. Because USI Insurance Services LLC in Morgantown partners with Nationwide, we have an outstanding claims service and can help you get back to normal quickly. We invite you to visit our office at 48 Donley St to discuss benefits designed to make your insurance needs easier, such as On Your Side® Reviews and home insurance discounts.

  • Life Insurance

    If you are thinking about purchasing a life insurance policy in Morgantown, you might have a few concerns about the process. You are probably familiar with purchasing insurance for your vehicles and home. However, life insurance requires you to exercise a little more due diligence. Think of life insurance as a long-term, personal investment. The right coverage can provide financial stability for your family. The wrong coverage could leave them with unexpected expenses.

    At USI Insurance Services LLC, we work with Nationwide to provide you with many insurance options to protect your most valuable assets. We understand the need for financial security and the challenges you may encounter in achieving it. We are here to help provide you and your loved ones with friendly and professional assistance in protecting the items and people you cherish the most.

    You want the best rates possible for your budget. For you to receive it, you need to consider which types of life insurance you need. Making this decision is not always easy. Fortunately, Lloyd Randall Cober and any of our team members are available to assist. There is some industry language you may not be familiar with that can make it challenging for you to understand policy options. We also offer different levels of coverage with varying death benefits and payment options.

    Your policy is only as good as your insurer’s reputation, experience and coverage options. To learn more about our products and how they can benefit you, call (304) 598-5678 to speak with one of our team members, or stop by 48 Donley St,Morgantown,WV,26501 to discuss your insurance needs in our office.


    LAW-0241AO (05/18)

  • Business Insurance

    Exponential growth is an important goal of many business owners, and can also be a sign of success. Accelerating your operation to that breakthrough point takes planning and solid management. Knowing how to assess risk and how to cover it so that you smooth over challenges on the way to attaining that success is key, and USI Insurance Services LLC understands that and works with Nationwide to bring you an adaptable and complete small business coverage in Morgantown.

    The first step in planning out the right coverage is understanding the unique features of your company, including its size and assets as well as the basic risk factors involved in the industries you operate within. An On Your Side® Review by Lloyd Randall Cober or one of our other agents is designed to do this. They reveal both the basic policies and the extended options that you need to make sure you have the right coverage, from accounts receivable insurance to product liability coverage for any goods you manufacture.

    To get things started, Lloyd Randall Cober recommends a business owner's policy, which is the closest available option to comprehensive coverage. From there, other coverages for important properties and assets can be worked out according to whether or not the plan already provides for them. Getting the process started is easy. Just call (304) 598-5678 to make an appointment for a consultation at 48 Donley St. You can also get your questions answered and buy policies over the phone, so if you know what you need, get in touch with an agent today.

    Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

The USI Insurance Services LLC also offers products in AL, AZ, AR, CA, CT, DE, DC, FL, GA, IL, IN, IA, LA, ME, MD, MA, MI, MN, MS, NE, NV, NH, NM, NY, NC, ND, OH, PA, SC, SD, TN, TX, UT, VT, VA, WV, WY, KY, NJ. Please call for information on products in those states.